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LIC Housing Finance Ltd

LICHSGFIN

LIC Housing Finance Ltd

LICHSGFIN
FinancialsHome Financing
MidcapWith a market cap of ₹37,107 cr, stock is ranked 233
Moderate RiskStock is 2.63x as volatile as Nifty
679.000.65% (+4.40)
679.000.65% (+4.40)

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1W
1M
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FinancialsHome Financing
MidcapWith a market cap of ₹37,107 cr, stock is ranked 233
Moderate RiskStock is 2.63x as volatile as Nifty

How to use scorecard? Learn more

FinancialsHome Financing
MidcapWith a market cap of ₹37,107 cr, stock is ranked 233
Moderate RiskStock is 2.63x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
7.811.181.33%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.562.580.76%

Forecast & Ratings

Detailed Forecast 
48%
Analysts have suggested that investors can buy this stock

from 25 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

LIC Housing Finance Limited is engaged in the housing finance business. The Company provides loans for purchase, construction, repairs and renovation of houses/flats to individuals, corporate bodies, builders and co-operative housing societies.

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 9.41%, vs industry avg of 1.6%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 10.63% to 51.43%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 14.35%, vs industry avg of 2.74%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue12,502.5814,100.9214,876.4417,398.4619,706.8819,880.2220,005.3122,728.2127,277.8027,317.79
Raw Materialssubtract21,190.60
Power & Fuel Costsubtract
Employee Costsubtract164.50266.23245.10274.58327.62323.78602.45516.41649.63
Selling & Administrative Expensessubtract295.47313.62190.94442.19231.24276.34279.11387.94372.03
Operating & Other expensessubtract9,457.5310,538.1811,648.2113,278.0215,814.7315,862.5016,281.3018,194.0520,122.54
Depreciation/Amortizationsubtract10.019.7010.2111.9251.1152.4755.1969.0469.2372.33
Interest & Other Itemssubtract
Taxes & Other Itemssubtract907.361,030.92774.05957.80878.92624.41501.61670.001,305.161,306.02
EPS33.0338.4639.7748.2347.6254.3143.3452.5586.5286.33
DPS5.506.206.807.608.008.508.508.509.008.50
Payout ratio0.170.160.170.160.170.160.200.160.100.10

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 19PDF
Jan 27PDF
FY 2023

Annual report

PDF

Investor Presentation

Nov 2PDF
Aug 5PDF
FY 2024

Annual report

PDF

Investor Presentation

Aug 3PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
LIC Housing Finance Ltd7.801.181.33%
PNB Housing Finance Ltd18.521.86
Aptus Value Housing Finance India Ltd27.654.490.59%
Aavas Financiers Ltd29.353.82

Price Comparison

Compare LICHSGFIN with any stock or ETF
Compare LICHSGFIN with any stock or ETF
LICHSGFIN
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding45.24%16.26%4.96%23.19%10.35%

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Shareholding History

MarJunSepDec '23MarJun17.23%18.66%15.26%15.92%16.48%16.26%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding LIC Housing Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Kotak Emerging Equity Fund - Growth - Direct Plan

Growth
2.2695%1.66%-0.40%24/71 (-4)
Mirae Asset Large & Midcap Fund - Growth - Direct Plan

Growth
1.0576%0.99%-0.25%68/98 (-5)
HDFC Large and Mid Cap Fund - Growth - Direct Plan

Growth
0.8202%1.28%-0.15%13/199 (-4)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No Dividend Cuts

Dividends are the portion of earnings that a company distributes to all its shareholders every year

LICHSGFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.33%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹13.34 every year

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateAug 23, 2024

Final
Final | Div/Share: ₹9.00

Dividend/Share

9.00

Ex DateEx Date

Aug 23, 2024

Cash Dividend

Ex DateEx DateAug 18, 2023

Final
Final | Div/Share: ₹8.50

Dividend/Share

8.50

Ex DateEx Date

Aug 18, 2023

Cash Dividend

Ex DateEx DateSep 19, 2022

Final
Final | Div/Share: ₹8.50

Dividend/Share

8.50

Ex DateEx Date

Sep 19, 2022

Cash Dividend

Ex DateEx DateSep 16, 2021

Final
Final | Div/Share: ₹8.50

Dividend/Share

8.50

Ex DateEx Date

Sep 16, 2021

Cash Dividend

Ex DateEx DateSep 17, 2020

Final
Final | Div/Share: ₹8.00

Dividend/Share

8.00

Ex DateEx Date

Sep 17, 2020

News & Opinions
Spotlight
LIC Housing Finance Ltd spurts 0.14%, up for fifth straight session

LIC Housing Finance Ltd is up for a fifth straight session today. The stock is quoting at Rs 675.65, up 0.14% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.11% on the day, quoting at 24726.7. The Sensex is at 80745.92, down 0.07%. LIC Housing Finance Ltd has slipped around 14.89% in last one month. Meanwhile, Nifty Financial Services index of which LIC Housing Finance Ltd is a constituent, has slipped around 2.34% in last one month and is currently quoting at 23178.15, down 0.45% on the day. The volume in the stock stood at 16.55 lakh shares today, compared to the daily average of 36.1 lakh shares in last one month. The benchmark August futures contract for the stock is quoting at Rs 670.55, up 0.71% on the day. LIC Housing Finance Ltd is up 59.77% in last one year as compared to a 27.48% jump in NIFTY and a 18.01% jump in the Nifty Financial Services index.The PE of the stock is 7.83 based on TTM earnings ending June 24.Powered by Capital Market - Live

4 weeks agoCapital Market - Live
Spotlight
LIC Housing Finance Ltd soars 1.13%, up for third straight session

LIC Housing Finance Ltd rose for a third straight session today. The stock is quoting at Rs 665.7, up 1.13% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.14% on the day, quoting at 24574.45. The Sensex is at 80465.57, up 0.04%. LIC Housing Finance Ltd has dropped around 16.14% in last one month. Meanwhile, Nifty Financial Services index of which LIC Housing Finance Ltd is a constituent, has dropped around 2.97% in last one month and is currently quoting at 22976.2, down 0.22% on the day. The volume in the stock stood at 18.79 lakh shares today, compared to the daily average of 36.55 lakh shares in last one month. The benchmark August futures contract for the stock is quoting at Rs 656.95, up 1.12% on the day. LIC Housing Finance Ltd is up 58.29% in last one year as compared to a 26.71% gain in NIFTY and a 17.13% gain in the Nifty Financial Services index.The PE of the stock is 7.63 based on TTM earnings ending June 24.Powered by Capital Market - Live

1 month agoCapital Market - Live

Broker’s call: LIC Housing Fin (Hold)

1 month agoThe Hindu Businessline

Sobha Ltd Partly Paidup leads losers in ‘A’ group

1 month agoBusiness Standard

LIC Housing Finance Shares Plunge As Q1 Profit Declines

1 month agoBloomberg Quint

Mid, SmallCap indices dip 4% each; LIC Housing, IRFC, CG Power tank over 5%

1 month agoBusiness Standard

LIC Housing drops as Q1 PAT declines YoY to Rs 1,300 crore

1 month agoBusiness Standard
Spotlight
LIC Housing drops as Q1 PAT declines YoY to Rs 1,300 crore

Total income rose marginally to Rs 6,783.69 crore in June 2024 quarter from Rs 6,746.55 crore posted in same quarter last year. Profit before tax stood at Rs 1,628.43 crore in first quarter of FY25, registering de-growth of 1.25% as against Rs 1,648.99 crore recorded in Q1 FY24. Net interest income (NII) slipped 10% YoY to Rs 1,989.08 crore in the quarter ended 30 June 2024. Net interest margin (NIM) reduced to 2.76% in Q1 FY25 as compared to 3.21% registered in the same period a year ago. Total disbursements jumped 18.96% to Rs 12,915 crore in Q1 FY25 as against Rs 10,856 crore recorded in corresponding period previous year. Out of this, disbursements in the individual home loan segment were at Rs 10,932 crore in Q1 FY25, up 16.06% YoY, whereas project loans were Rs 521 crore, zoomed 107.56% from Rs 251 crore for the same quarter in the previous year. The individual home loan portfolio stood at Rs 2,46,275 crore as against Rs 2,31,087 crore, recording a growth of 6.57%. Project loan portfolio stood at Rs 8,099 crore as on 30 June 2024, as against Rs 11,321 crore as on 30 June 2023. Total outstanding portfolio grew by 4.4% YoY to Rs 2,88,665 crore in the quarter. The provisions for expected credit loss (ECL) stood at Rs 5,670.07 crore as on 30 June 2024 as against Rs 7,590.68 crore as on 30 June 2023. The Stage 3 exposure at default as on 30 June 2024 stood at 3.30% as against 4.96% as on 30 June 2023. On consolidated basis, the company's net profit was at Rs 1,306.30 crore in Q1 FY25, marginally down from Rs 1,318.98 crore in Q1 FY24. Total income was at Rs 6,796.85 crore in Q1 of FY25 as against Rs 6,759.13 crore in same quarter last year. Tribhuwan Adhikari, MD & CEO, LIC Housing Finance said, Following the technology upgrades and organizational restructuring, we are now fully equipped to aim for faster growth especially in individual housing loan segment. The recent Union Budget has given a positive impetus to our sector with its continued focus on infrastructure development and affordable housing. It is expected to significantly enhance housing demand and foster socio-economic growth. In the current financial year, we also anticipate a gradual downtrend in interest rates, which will further accelerate demand in the sector. LIC Housing Finance is the largest housing finance company in India. LIC HFL is amongst the pioneers in India ensuring access to housing finance for home ownership. With a strong business foundation, an extensive distribution network and proven industry expertise, LIC HFL is a respected and trusted financial services company.Powered by Capital Market - Live

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